Duluth Insurance Rates:

Duluth, MN homeowners insurance is roughly $852 to $1,156, about $71-$96/month. Our all inclusive guide shows customers can save as much as $401 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Brown Insurance
I like small town atmosphere of the insurance company. i like the small conversations of the owner of the place. almost makes me feel like i'm at a familiar place.
State Farm
For the amount of the insurance bill each month i think that roadside assistance should be included in the monthly cost.
Geico
You can pay your bill online and see all of your past and existing bills easy. they also have the ability to set up a direct debit.

Duluth, MN Homeowners Insurance By Home Value

Duluth, MN Home Value Total Homes % of Total Average Duluth, MN Homeowners Insurance
Less than $50,000 1,293 6.0% $160
$50,000 to $59,999 248 1.0% $351
$60,000 to $69,999 377 1.0% $431
$70,000 to $79,999 530 2.0% $502
$80,000 to $89,999 1,043 5.0% $572
$90,000 to $99,999 955 4.0% $632
$100,000 to $124,999 3,341 16.0% $742
$125,000 to $149,999 3,076 15.0% $923
$150,000 to $174,999 2,854 14.0% $1094
$175,000 to $199,999 1,783 8.0% $1265
$200,000 to $249,999 2,275 11.0% $1516
$250,000 to $299,999 1,248 6.0% $1857
$300,000 to $399,999 1,144 5.0% $2359

Top Home Insurance Agents Near Duluth, MN

Home Insurance Company Near Duluth, MN Homeowners Insurance Agency Near Duluth, MN Address
State Farm Cory Fairchild 2014 London Rd, Duluth, MN, 55812-2125
Travelers Holden Insurance Agency Inc 5713 GRAND AVE, DULUTH, MN, 55807
Travelers Holden Insurance Agency Inc 823 Belknap St Ste 121, Superior, WI, 54880
Farmers Holly Hakkila Wisocki 4891 Miller Trunk Hwy Ste 105, Hermantown, MN, 55811
Allstate The Ins Capitol 405 E Superior St Ste 150, Duluth, MN, 55802

Cost Of Homeowners Insurance By Street Near Duluth, MN

Streets in Duluth Area Homeowners Insurance Cost
Getchell Rd, Malstrom St, Madison St, 87th Ave W, Cliff Ave, N 8th Ave W, E Saint Marie St, Howard Gnesen Rd, N 20th Ave W, S 40th Ave E$1,009
Springvale Ct, Saint Louis Ave, S 32nd Ave E, Howard Gnesen Rd, N 57th Ave W, W Palm St, Lightning Dr, Wildlife Dr, Snelling Ave, Sherburne St$1,126
S 20th Ave E, Twp Rd 5482, Co Rd 589, Hotel Duluth, S 72nd Ave W, N 24th Ave W, Desota St, Alderberry Dr, Grove St, Riley Rd$1,024
91st Ave W, Trails End Dr, Hicken Rd, Midway Ave, Appalachian St, Twp Rd 5484, N 71st Ave E, Invader St, Kissel Ave, Vermilion Rd$1,020
Sherburne St, Pitt St, Oakland Ave, Lawn St, N Ebony Ave, Co Hwy 48, Graysolon Rd, 106th Ave W, Krueger Junction, S 57th Ave W$1,018
Foxtail Ave, Elder Cir, E Faribault St, Ridge Cir, Highland Village Dr, Milford St, Garden Park Dr, Columbia St, Fauvelle Rd, Fremont St$947
Ugstad Junction Rd, Lavaque Byp, S 47th Ave E, N Robin Ave, Terrace St, Taylor Cir, Co Rd 297, Coleman St, S Cascade St, Jackson Dr$1,020
Albion Aly, Tioga St, Skyline Pkwy E, Park Pl, Isanti St, Dogwood Ln, Westwood Rd, S 42nd Ave W, Devonshire St, 87th Ave W$953
Rutter Rd, W Reis St, Daveau Rd, 31st St S, S 21st Ave E, Okerstrom Rd, Ivanhoe St, Marko Dr, N 11th Ave W, Co Hwy 73$1,041
Vinland St, Traders Ct, N 51st Ave E, Cambridge St, Coachlight Cir, Ratika Rd, Ponderosa Ave, Lyons St, Thompson St, Oneida St$1,008

Duluth, MN Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Duluth$150 to $152
Proctor$150
Hermantown$156
Arnold$153

Duluth, MN Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Proctor city, Minnesota $151 $201 $302
Hermantown city, Minnesota $156 $208 $312
Arnold CDP, Minnesota $153 $204 $306

Duluth, MN Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Duluth, MN6.9%18.7%
Proctor6.47%20.45%
Hermantown5.83%21.84%
Arnold5.48%21.64%

Duluth Renters Insurance as a Percentage of Rent

Duluth Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 529 3.0% $341
$200 to $299 971 6.0% $791
$300 to $499 1,898 13.0% $1241
$500 to $749 4,758 33.0% $1916
$750 to $999 3,198 22.0% $2666
$1,000 to $1,499 1,630 11.0% $3791
$1,500 or more 1,029 7.0% $5441

Duluth, MN Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$2,100
Yearly Duluth Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,100$2,100
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,700$6,100
Net Savings to Duluth Home Owner from High Deductible Plan $600

Duluth, MN Home Insurance Costs With Home Replacement Value Scenarios

Scenario Duluth, MN Home Replacement Value MORE than Home Value Duluth, MN Home Replacement Value LESS than Home Value
Replacement Value $236,500 $165,000
Insurance Premium based on Replacement Value $1,825 $1,275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $39,000 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $250/year Insurance costlier by $300/year

Example Duluth Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmNationwide Insurance
Monthly Premium 13075112
Year Built 196419421980
Home Details 5 Beds, 1 Baths4 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $250000-$300000$250000-$300000$175000-$200000
Deductible $1000-$2500 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Duluth, MN from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 285,000 Composition Roof 2,840 4 $5000 to $10,000 Deductible 680 7 Brick siding yes
1969 170,000 Slate Shingles Roof 1,850 5 $2500-$5000 Deductible 150 2 Stucco siding yes
1947 470,000 Wood Shake Roof 4,450 5 $500 Deductible 470 2 Stucco siding yes
1945 230,000 Shingles Roof 2,110 3 $5000 to $10,000 Deductible 110 1 Wood siding No
1988 120,000 Tile Roof 1,570 3 $1000-$2500 Deductible 540 9 Brick siding No
1942 140,000 Metal Roof 1,470 3 $2500-$5000 Deductible 240 4 Stucco siding yes
1945 80,000 Asphalt Shingles Roof 1,120 2 $500 Deductible 250 5 Fiber-Cement Siding No
1985 265,000 Shingles Roof 2,560 4 $500- $1000 Deductible 790 6 Stone Siding yes
1941 270,000 Slate Shingles Roof 2,920 5 $500- $1000 Deductible 330 2 Vinyl siding No
1968 125,000 Composition Roof 1,310 2 $500- $1000 Deductible 810 10 Wood siding yes
1960 95,000 Shingles Roof 1,260 2 $500- $1000 Deductible 350 8 Stucco siding No
1964 175,000 Metal Roof 2,410 4 $2500-$5000 Deductible 420 4 Stucco siding No
1982 175,000 Tile Roof 1,920 4 $500- $1000 Deductible 470 5 Stone Siding No
1930 310,000 Composition Roof 1,363 2 $500 Deductible 550 3 Vinyl siding yes